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The Cheapest Car Insurance in Maine (November 2023)


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Updated: Nov 7, 2023
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Vermont Mutual offers the cheapest quotes for many different types of drivers. Travelers, Concord Group, State Farm and USAA are also affordable options for certain types of drivers.

To get the best combination of quality coverage and cost, consider MoneyGeek’s top-rated car insurance in Maine.

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Table of Contents

Cheapest Minimum Liability Car Insurance in Maine (November 2023)

The following companies offer the cheapest auto insurance for minimum coverage:

  • Vermont Mutual: $284 per year
  • GEICO: $337 per year

Bristol West is the most expensive policy, at $724 a year, for the same coverage. Minimum coverage policies only include bodily injury liability, property damage liability, uninsured/underinsured motorist coverage and medical payments coverage.

Company
Annual Premium
Monthly Premium

Vermont Mutual

$273

$23

Vermont Mutual

$284

$24

Travelers

$317

$26

Concord Group

$324

$27

GEICO

$326

$27

GEICO

$337

$28

Concord Group

$339

$28

Countryway Insurance

$340

$28

Countryway Insurance

$342

$29

Travelers

$348

$29

Travelers

$374

$31

State Farm

$390

$33

State Farm

$400

$33

Countryway Insurance

$412

$34

Progressive

$432

$36

Progressive

$436

$36

GEICO

$445

$37

Concord Group

$467

$39

Vermont Mutual

$491

$41

State Farm

$492

$41

Progressive

$510

$43

Allstate

$516

$43

Allstate

$530

$44

Allstate

$534

$44

Concord Group

$553

$46

Travelers

$567

$47

Concord Group

$578

$48

Vermont Mutual

$583

$49

Vermont Mutual

$616

$51

Travelers

$644

$54

GEICO

$686

$57

GEICO

$693

$58

Travelers

$716

$60

Bristol West

$724

$60

Progressive

$758

$63

Progressive

$766

$64

Concord Group

$770

$64

Bristol West

$835

$70

Allstate

$863

$72

Allstate

$877

$73

Countryway Insurance

$885

$74

State Farm

$902

$75

Countryway Insurance

$922

$77

State Farm

$934

$78

GEICO

$943

$79

Allstate

$950

$79

Progressive

$951

$79

Vermont Mutual

$1,061

$88

Bristol West

$1,120

$93

Countryway Insurance

$1,137

$95

State Farm

$1,179

$98

Bristol West

$1,532

$128

Bristol West

$1,645

$137

Bristol West

$2,280

$190

As opposed to a minimum coverage policy, which only covers damages or injuries you inflict on others, a full coverage policy comes with both comprehensive and collision coverage, which also covers damages to your vehicle.

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Cheapest Full Coverage Car Insurance in Maine (November 2023)

On average, the most affordable car insurers for full coverage are:

  • Concord Group: $578 per year
  • Vermont Mutual: $616 per year

Bristol West has the highest price tag for a full coverage policy, at $1,532 per year. With Vermont Mutual, upgrading a minimum coverage to a full coverage policy costs around $316.

Though a full coverage policy has a more expensive annual premium, you’ll pay fewer out-of-pocket expenses if you do have an accident.

Company
Annual Premium
Monthly Premium

Vermont Mutual

$273

$23

Vermont Mutual

$284

$24

Travelers

$317

$26

Concord Group

$324

$27

GEICO

$326

$27

GEICO

$337

$28

Concord Group

$339

$28

Countryway Insurance

$340

$28

Countryway Insurance

$342

$29

Travelers

$348

$29

Travelers

$374

$31

State Farm

$390

$33

State Farm

$400

$33

Countryway Insurance

$412

$34

Progressive

$432

$36

Progressive

$436

$36

GEICO

$445

$37

Concord Group

$467

$39

Vermont Mutual

$491

$41

State Farm

$492

$41

Progressive

$510

$43

Allstate

$516

$43

Allstate

$530

$44

Allstate

$534

$44

Concord Group

$553

$46

Travelers

$567

$47

Concord Group

$578

$48

Vermont Mutual

$583

$49

Vermont Mutual

$616

$51

Travelers

$644

$54

GEICO

$686

$57

GEICO

$693

$58

Travelers

$716

$60

Bristol West

$724

$60

Progressive

$758

$63

Progressive

$766

$64

Concord Group

$770

$64

Bristol West

$835

$70

Allstate

$863

$72

Allstate

$877

$73

Countryway Insurance

$885

$74

State Farm

$902

$75

Countryway Insurance

$922

$77

State Farm

$934

$78

GEICO

$943

$79

Allstate

$950

$79

Progressive

$951

$79

Vermont Mutual

$1,061

$88

Bristol West

$1,120

$93

Countryway Insurance

$1,137

$95

State Farm

$1,179

$98

Bristol West

$1,532

$128

Bristol West

$1,645

$137

Bristol West

$2,280

$190

The car insurance coverage you need will affect your annual premium. MoneyGeek's sample full coverage policy includes $100,000 in liability protection for bodily injury per accident, $300,000 in bodily injury liability per person and $100,000 in property damage liability per accident.

Drivers might save money by lowering their liability limits and dropping comprehensive and collision insurance coverage, but you may end up paying more out of pocket in the event of an accident.

How to Compare Cheap Maine Car Insurance Quotes Online

Getting auto insurance quotes online is possible, but it can take 15 minutes or more to input your personal information into each insurer’s website.

MoneyGeek’s car insurance calculator allows you to quickly obtain an estimate without having to provide personal or sensitive information. This can be a great starting point to find the cheapest car insurance for your needs.

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Cheapest Car Insurance in Maine by Age (November 2023)

Age is one of the biggest factors affecting car insurance rates in Maine. MoneyGeek found that Concord Group offer the cheapest options for teens and seniors, while it is Travelers for young adults.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Concord Group
Cheapest for young adults: Travelers
Cheapest for seniors: Concord Group

Cheapest Car Insurance in Maine for Teens and Their Families (November 2023)

Those adding a teenage driver to their policy may save money on car insurance by choosing one of the following companies:

  • Concord Group: $1,056 per year for male teens and $988 per year for female teens
  • Allstate: $1,268 per year for male teens and $1,190 per year for female teens

Since teens' car insurance rates diminish with age, 16-year-old drivers pay much more premiums than 19-year-old drivers. For 19-year-old male drivers in Maine, Concord Group ($851 per year) provides the cheapest car insurance premiums.

Bristol West is the most expensive option for families with teens, with family policies costing $3,695 and $3,667 per year for male and female teens, respectively. Parents can save about $1,441 per year by adding their teens to their existing policy, as opposed to purchasing them an individual policy.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

Concord Group

$988

$1,569

Concord Group

$1,056

$1,730

Allstate

$1,190

$2,554

Allstate

$1,268

$2,771

Travelers

$1,379

$2,526

State Farm

$1,455

$1,988

GEICO

$1,533

$3,365

Travelers

$1,784

$3,284

State Farm

$1,838

$2,473

GEICO

$1,890

$3,884

Progressive

$2,008

$4,322

Progressive

$2,195

$4,710

Bristol West

$3,667

$4,906

Bristol West

$3,695

$4,963

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On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Families that have young drivers may qualify for discounts on car insurance, such as good student and distant student discounts. These discounts are commonly offered by insurers to offset the higher annual premium.

Cheapest Car Insurance in Maine for Young Adults (November 2023)

The two cheapest car insurance companies in Maine for drivers in their 20s are:

  • Travelers: $716 per year
  • Concord Group: $770 per year

According to our data, Bristol West offers the most expensive full coverage policy at $2,280 per year. A 20-something driver typically pays $192 more than a middle-aged driver with Concord Group.

Company
Annual Premium
Monthly Premium

Vermont Mutual

$273

$23

Vermont Mutual

$284

$24

Travelers

$317

$26

Concord Group

$324

$27

GEICO

$326

$27

GEICO

$337

$28

Concord Group

$339

$28

Countryway Insurance

$340

$28

Countryway Insurance

$342

$29

Travelers

$348

$29

Travelers

$374

$31

State Farm

$390

$33

State Farm

$400

$33

Countryway Insurance

$412

$34

Progressive

$432

$36

Progressive

$436

$36

GEICO

$445

$37

Concord Group

$467

$39

Vermont Mutual

$491

$41

State Farm

$492

$41

Progressive

$510

$43

Allstate

$516

$43

Allstate

$530

$44

Allstate

$534

$44

Concord Group

$553

$46

Travelers

$567

$47

Concord Group

$578

$48

Vermont Mutual

$583

$49

Vermont Mutual

$616

$51

Travelers

$644

$54

GEICO

$686

$57

GEICO

$693

$58

Travelers

$716

$60

Bristol West

$724

$60

Progressive

$758

$63

Progressive

$766

$64

Concord Group

$770

$64

Bristol West

$835

$70

Allstate

$863

$72

Allstate

$877

$73

Countryway Insurance

$885

$74

State Farm

$902

$75

Countryway Insurance

$922

$77

State Farm

$934

$78

GEICO

$943

$79

Allstate

$950

$79

Progressive

$951

$79

Vermont Mutual

$1,061

$88

Bristol West

$1,120

$93

Countryway Insurance

$1,137

$95

State Farm

$1,179

$98

Bristol West

$1,532

$128

Bristol West

$1,645

$137

Bristol West

$2,280

$190

Cheapest Car Insurance in Maine for Seniors (November 2023)

If you’re a senior driver in Maine, you’ll find the cheapest rates with the following insurers:

  • Concord Group: $553 per year
  • Travelers: $567 per year

If you opt for the most expensive option, Bristol West, you’ll pay an average annual premium of $1,645 for a full coverage policy. Concord Group charges senior drivers just $25 less per year than middle-aged drivers, but car insurance rates can rise as drivers reach their 70s and 80s.

Company
Annual Premium
Monthly Premium

Vermont Mutual

$273

$23

Vermont Mutual

$284

$24

Travelers

$317

$26

Concord Group

$324

$27

GEICO

$326

$27

GEICO

$337

$28

Concord Group

$339

$28

Countryway Insurance

$340

$28

Countryway Insurance

$342

$29

Travelers

$348

$29

Travelers

$374

$31

State Farm

$390

$33

State Farm

$400

$33

Countryway Insurance

$412

$34

Progressive

$432

$36

Progressive

$436

$36

GEICO

$445

$37

Concord Group

$467

$39

Vermont Mutual

$491

$41

State Farm

$492

$41

Progressive

$510

$43

Allstate

$516

$43

Allstate

$530

$44

Allstate

$534

$44

Concord Group

$553

$46

Travelers

$567

$47

Concord Group

$578

$48

Vermont Mutual

$583

$49

Vermont Mutual

$616

$51

Travelers

$644

$54

GEICO

$686

$57

GEICO

$693

$58

Travelers

$716

$60

Bristol West

$724

$60

Progressive

$758

$63

Progressive

$766

$64

Concord Group

$770

$64

Bristol West

$835

$70

Allstate

$863

$72

Allstate

$877

$73

Countryway Insurance

$885

$74

State Farm

$902

$75

Countryway Insurance

$922

$77

State Farm

$934

$78

GEICO

$943

$79

Allstate

$950

$79

Progressive

$951

$79

Vermont Mutual

$1,061

$88

Bristol West

$1,120

$93

Countryway Insurance

$1,137

$95

State Farm

$1,179

$98

Bristol West

$1,532

$128

Bristol West

$1,645

$137

Bristol West

$2,280

$190

Senior drivers looking to cut costs on their car insurance may be able to get discounts with certain insurers by completing a driver’s education or installing safety features in your car.

It's also wise to compare rates from different insurers, as rates are based on more than just age.

Cheapest Car Insurance for Higher Risk Drivers (November 2023)

Vermont Mutual offers the cheapest car insurance for those with a ticket or an at-fault accident on their record. If you have a DUI, you may find the best rate with Progressive.

CHEAPEST FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Vermont Mutual ($599 per year)
Cheapest after an accident: Vermont Mutual ($615 per year)
Cheapest after a DUI: Progressive ($880 per year)
Cheapest for poor credit: Concord Group ($965 per year)
Cheapest for sports cars: Concord Group and Travelers ($620 per year)

Cheapest Car Insurance in Maine After a Ticket

In Maine, the following companies offer the cheapest car insurance for drivers with a speeding ticket:

  • Vermont Mutual: $615 per year
  • Concord Group: $646 per year

Bristol West is the most expensive provider for those with a ticket costing an average of $2,100 per year. Drivers who have been ticketed may pay $181 more for car insurance than drivers with a clean driving history.

Company
Annual Premium
Monthly Premium

Vermont Mutual

$273

$23

Vermont Mutual

$287

$24

GEICO

$326

$27

GEICO

$360

$30

Concord Group

$366

$30

Concord Group

$379

$32

Countryway Insurance

$412

$34

Countryway Insurance

$414

$34

State Farm

$440

$37

Travelers

$444

$37

GEICO

$445

$37

State Farm

$451

$38

Travelers

$470

$39

Travelers

$474

$39

Vermont Mutual

$491

$41

Countryway Insurance

$499

$42

Concord Group

$527

$44

Progressive

$551

$46

Progressive

$551

$46

State Farm

$555

$46

Allstate

$575

$48

Allstate

$575

$48

Allstate

$578

$48

Vermont Mutual

$583

$49

Vermont Mutual

$615

$51

Concord Group

$623

$52

Progressive

$628

$52

Concord Group

$646

$54

GEICO

$686

$57

GEICO

$757

$63

Travelers

$838

$70

Concord Group

$868

$72

Travelers

$908

$76

GEICO

$943

$79

Travelers

$946

$79

Allstate

$953

$79

Allstate

$981

$82

Progressive

$1,001

$83

Progressive

$1,001

$83

State Farm

$1,001

$83

Bristol West

$1,021

$85

Bristol West

$1,027

$86

State Farm

$1,034

$86

Allstate

$1,050

$88

Vermont Mutual

$1,061

$88

Countryway Insurance

$1,102

$92

Countryway Insurance

$1,147

$96

Progressive

$1,197

$100

Bristol West

$1,304

$109

State Farm

$1,313

$109

Countryway Insurance

$1,416

$118

Bristol West

$2,038

$170

Bristol West

$2,100

$175

Bristol West

$2,670

$223

Cheapest Car Insurance in Maine After an Accident

If you have an at-fault accident on your record, the cheapest car insurance companies in Maine are:

  • Vermont Mutual: $615 per year
  • Concord Group: $831 per year

Bristol West again offers the most expensive full coverage policy at $2,241 per year. Drivers with an at-fault accident history may pay around $353 more for car insurance than those with a clean driving history.

Company
Annual Premium
Monthly Premium

Vermont Mutual

$273

$23

Vermont Mutual

$287

$24

Concord Group

$468

$39

Travelers

$471

$39

State Farm

$484

$40

Concord Group

$485

$40

Countryway Insurance

$489

$41

Countryway Insurance

$491

$41

Vermont Mutual

$491

$41

State Farm

$496

$41

Travelers

$496

$41

Travelers

$503

$42

GEICO

$554

$46

Vermont Mutual

$583

$49

GEICO

$593

$49

Countryway Insurance

$593

$49

State Farm

$610

$51

Vermont Mutual

$615

$51

Allstate

$670

$56

Allstate

$670

$56

Allstate

$675

$56

Concord Group

$678

$57

GEICO

$686

$57

Progressive

$751

$63

Progressive

$751

$63

Concord Group

$799

$67

Concord Group

$831

$69

Progressive

$844

$70

Travelers

$878

$73

Travelers

$951

$79

Travelers

$990

$82

Vermont Mutual

$1,061

$88

State Farm

$1,089

$91

Bristol West

$1,115

$93

Allstate

$1,120

$93

Concord Group

$1,121

$93

State Farm

$1,122

$93

Bristol West

$1,122

$93

Allstate

$1,154

$96

GEICO

$1,167

$97

Countryway Insurance

$1,210

$101

Allstate

$1,238

$103

GEICO

$1,245

$104

Countryway Insurance

$1,257

$105

Progressive

$1,330

$111

Progressive

$1,330

$111

Bristol West

$1,409

$117

State Farm

$1,430

$119

GEICO

$1,451

$121

Countryway Insurance

$1,553

$129

Progressive

$1,559

$130

Bristol West

$2,177

$181

Bristol West

$2,241

$187

Bristol West

$2,838

$236

Cheapest Car Insurance in Maine After a DUI

If you have a DUI on your record, the following companies offer the cheapest car insurance in Maine:

  • Progressive: $880 per year
  • Concord Group: $937 per year

Vermont Mutual has the most expensive policies for drivers with DUIs at $2,175 per year. People with a history of DUI typically pay $548 more for car insurance than those who have a clean record.

Company
Annual Premium
Monthly Premium

Countryway Insurance

$407

$34

Countryway Insurance

$410

$34

State Farm

$440

$37

State Farm

$451

$38

Progressive

$490

$41

Progressive

$490

$41

Countryway Insurance

$497

$41

Travelers

$519

$43

Concord Group

$530

$44

Concord Group

$549

$46

Travelers

$551

$46

State Farm

$555

$46

Travelers

$556

$46

Progressive

$568

$47

Allstate

$673

$56

Allstate

$673

$56

Allstate

$679

$57

Concord Group

$767

$64

Progressive

$878

$73

Progressive

$880

$73

Concord Group

$902

$75

GEICO

$916

$76

Concord Group

$937

$78

GEICO

$951

$79

Travelers

$960

$80

Bristol West

$976

$81

Bristol West

$982

$82

Vermont Mutual

$987

$82

State Farm

$1,001

$83

Vermont Mutual

$1,002

$83

State Farm

$1,034

$86

GEICO

$1,040

$87

Travelers

$1,044

$87

Progressive

$1,075

$90

Travelers

$1,085

$90

Allstate

$1,148

$96

Countryway Insurance

$1,178

$98

Allstate

$1,181

$98

Vermont Mutual

$1,205

$100

Countryway Insurance

$1,225

$102

Bristol West

$1,259

$105

Concord Group

$1,262

$105

Allstate

$1,270

$106

State Farm

$1,313

$109

Countryway Insurance

$1,520

$127

GEICO

$1,925

$160

Bristol West

$1,956

$163

GEICO

$1,999

$167

Bristol West

$2,017

$168

Vermont Mutual

$2,143

$179

Vermont Mutual

$2,175

$181

GEICO

$2,195

$183

Bristol West

$2,588

$216

Vermont Mutual

$2,620

$218

Cheapest Car Insurance in Maine for Drivers With Poor Credit (November 2023)

If you have a credit score below 580, the following companies offer the cheapest car insurance in Maine:

  • Concord Group: $965 per year
  • Travelers: $1,004 per year

At around $2,771 for a full coverage policy, State Farm is the most expensive car insurance provider in the state. A driver with poor credit pays around $688 more than a driver with good credit.

Company
Annual Premium
Monthly Premium

Countryway Insurance

$483

$40

Countryway Insurance

$486

$40

Travelers

$508

$42

Concord Group

$519

$43

Travelers

$532

$44

Concord Group

$538

$45

GEICO

$573

$48

Travelers

$576

$48

Countryway Insurance

$586

$49

GEICO

$632

$53

Vermont Mutual

$646

$54

Vermont Mutual

$682

$57

GEICO

$703

$59

Allstate

$705

$59

Allstate

$705

$59

Allstate

$710

$59

Concord Group

$753

$63

Progressive

$762

$64

Progressive

$771

$64

Progressive

$891

$74

Concord Group

$929

$77

Travelers

$941

$78

Concord Group

$965

$80

Travelers

$1,004

$84

Bristol West

$1,051

$88

Bristol West

$1,060

$88

Travelers

$1,122

$93

State Farm

$1,172

$98

Vermont Mutual

$1,176

$98

State Farm

$1,201

$100

GEICO

$1,204

$100

Allstate

$1,244

$104

Allstate

$1,286

$107

Concord Group

$1,297

$108

Countryway Insurance

$1,316

$110

GEICO

$1,329

$111

Progressive

$1,368

$114

Countryway Insurance

$1,370

$114

Progressive

$1,381

$115

Allstate

$1,384

$115

Vermont Mutual

$1,399

$117

Bristol West

$1,407

$117

Vermont Mutual

$1,476

$123

State Farm

$1,479

$123

GEICO

$1,493

$124

Countryway Insurance

$1,691

$141

Progressive

$1,708

$142

Bristol West

$2,092

$174

Bristol West

$2,170

$181

Vermont Mutual

$2,556

$213

State Farm

$2,686

$224

State Farm

$2,771

$231

Bristol West

$2,900

$242

State Farm

$3,525

$294

Typically, drivers with poor credit are more likely to file claims. Insurers in Maine are allowed to take into account your credit history when determining your insurance rate but it’s illegal in some states.

Improving your credit score is a helpful long-term strategy to save money on car insurance, but you save now by comparing quotes from multiple insurers and checking for applicable discounts.

Cheapest Car Insurance in Maine for Sports Cars (November 2023)

The least expensive car insurance companies for sports car drivers are:

  • Travelers and Concord Group: $620 per year
  • Allstate: $903 per year

You may find the most expensive full coverage policy with Bristol West, costing around $1,994. On average, a sports car costs $177 more to insure on average than a standard Toyota Camry.

Company
Annual Premium
Monthly Premium

Vermont Mutual

$273

$23

Vermont Mutual

$284

$24

Travelers

$317

$26

Concord Group

$324

$27

GEICO

$326

$27

GEICO

$337

$28

Concord Group

$339

$28

Countryway Insurance

$340

$28

Countryway Insurance

$342

$29

Travelers

$348

$29

Travelers

$374

$31

State Farm

$390

$33

State Farm

$400

$33

Countryway Insurance

$412

$34

Progressive

$432

$36

Progressive

$436

$36

GEICO

$445

$37

Concord Group

$467

$39

Vermont Mutual

$491

$41

State Farm

$492

$41

Progressive

$510

$43

Allstate

$516

$43

Allstate

$530

$44

Allstate

$534

$44

Travelers

$546

$46

Concord Group

$597

$50

Travelers

$620

$52

Concord Group

$620

$52

Travelers

$695

$58

Bristol West

$724

$60

Bristol West

$835

$70

Concord Group

$836

$70

GEICO

$848

$71

Allstate

$869

$72

Progressive

$887

$74

Allstate

$903

$75

Progressive

$911

$76

GEICO

$936

$78

Allstate

$979

$82

State Farm

$1,104

$92

Bristol West

$1,120

$93

State Farm

$1,139

$95

GEICO

$1,174

$98

Progressive

$1,175

$98

State Farm

$1,467

$122

Bristol West

$1,904

$159

Bristol West

$1,994

$166

Bristol West

$2,676

$223

MoneyGeek used a Ford Mustang as its sample sports car, but car insurance costs vary greatly depending on your car model. Luxury, electric and sports cars tend to have higher annual premiums than other model types, but otherwise your car model may not significantly impact your rate. However, this varies by state.

Cheapest Car Insurance in Maine for Military Drivers (November 2023)

USAA offers the best car insurance rates for active duty or military veterans, at $523 per year. Since 1922, the insurer has offered quality insurance coverage and service to military members and their families.

mglogo
MoneyGeek Top Pick
USAA
  • $523 per year
  • First out of 10 in affordability

USAA is the cheapest insurer in Maine for drivers who are military members. It offers legacy, loyalty and military discounts. USAA also offers discounts for bundling, defensive driving and safe driving.

Car Insurance in Maine: What You Need to Know

Maine requires its residents to carry at least the minimum amount of car insurance, which includes bodily injury liability, property damage liability, uninsured/underinsured motorist coverage and medical payments coverage.

Maine Car Insurance Requirements

Maine requires its residents to carry at least the minimum amount of car insurance, which includes bodily injury liability, property damage liability, uninsured/underinsured motorist coverage and medical payments coverage.

Buying the minimum amount of insurance is a great way to trim your monthly expenses, but MoneyGeek recommends not skimping too much on coverage to avoid paying high out-of-pocket costs if an accident does happen.

In addition to the base policy, you will need to purchase additional coverage to secure an SR-22 form if you have repeated or severe driving violations on your record.

  • male icon

    Bodily Injury Liability

    This covers the costs of injuries to other people in an accident involving your car up to $50,000 per person and $100,000 per accident. However, this minimum coverage may not be sufficient to completely cover the costs of injuries or damages incurred.

  • accident2 icon

    Property Damage Liability

    This covers the cost of repairing or replacing a vehicle or other property if you’re found at fault in an accident. The minimum amount required is $25,000 per accident, but this may not be enough to cover the full value of some cars or property.

  • hospital icon

    Medical Payments

    This covers any medical expenses you might cause during an accident. The minimum amount required is $2,000 per person. Consider purchasing additional coverage to safeguard you if the actual cost exceeds this amount.

  • carInsurance icon

    Uninsured/Underinsured motorist coverage

    This covers damage to medical expenses should you be injured by an uninsured/underinsured driver. The minimum amount required for this is $50,000 per person and $100,000 per accident. Again, this coverage amount may prove to be insufficient for your needs.

MoneyGeek recommends purchasing 100/300/100 insurance. This includes $100,000 worth of bodily injury liability coverage per person, $300,000 worth of bodily injury liability insurance per accident and $100,000 worth of property damage coverage per accident.

If you take out a loan to buy a car, your lender may require that you purchase comprehensive and collision insurance. Comprehensive insurance covers non-accident-related damages, like hail damage or fire. Collision insurance pays for damages if your car is wrecked in an accident.

For peace of mind, drivers with expensive vehicles should consider adding both types of coverage to their policy.

Car Insurance Alternatives in Maine

There are no alternatives in Maine for car insurance. Even though drivers in Maine are required to have car insurance coverage, the state also mandates uninsured motorist coverage to safeguard against drivers without insurance.

FAQs About Car Insurance in Maine

Finding the best car insurance for you can be difficult. To make the process easier, we answered some of the most commonly asked questions.

Expert Advice on Finding Cheap Car Insurance in Maine

To help you find credible and accurate insight into car insurance in Maine, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Maine should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Maine take to find affordable car insurance?
Daniel Ford
Daniel Ford

Instructor of Economics and Business Administration at Southern Maine Community College

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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